Date Received: 2021-11-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Account name is XXXX Bought a new apple computer under Goldman Sachs XXXX XXXX Apple 's XXXX % for XXXX months deal. Received the computer around XX/XX/XXXX. Problems with the computer, and Apple told me I needed to buy a better more expensive one. To buy the new one on Apple card, they told me I needed to add money to the Goldman Sachs account since I did not have a high enough limit. Called Goldman Sachs, with the Apple rep on the phone on or around XX/XX/XXXX. Paid using ACH in that phone call.Here is that transaction record for {$3300.00} Posted Transactions XX/XX/XXXX APPLECARD GSBANK PAYMENT XXXX XXXX XXXX XXXX {$3300.00} Details Category : XXXX XXXX Credit Card Payments On or around XX/XX/XXXX, Apple had me return the laptop, and rebuy it using cash. Therefore, my entire {$5000.00} original balance became available to me, plus Goldman Sachs still held the additional {$3300.00}. I called Goldman Sachs on or around that same day. Goldman Sachs XXXX Apple Card call center ) promised that it was refunding me the {$3300.00}. The money has not arrived. I called Goldman Sachs again today. They admitted that in fact they had not taken any action to return the money. They admitted that it is my money. Although there is no dispute, they said that they are initiating a " dispute '' and that the soonest they will return the money -- which they essentially borrowed from me for no reason -- is XXXX days from now. At this point, they are holding my money that they admit is mine. That is stealing. I told them they are required to send my money back right now. All the Best, XXXX
Company Response:
State: CA
Zip: 90066
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I am XXXX XXXX and I am submitting this complaint myself there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by Apple Card XXXX XXXX XXXX XXXX I was notified of this transgression of my rights specifically XXXX XXXX XXXX The Truth in Lending Act by Apple Card XXXX XXXX XXXX XXXX XXXX XXXX via XXXX mail. According to XXXX XXXX XXXX definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by Apple Card XXXX XXXX XXXX adverse action taken against me, denying my rights of which the civil damages pursuant to XXXX XXXX XXXX XXXX a ) ( 2 ) ( A ) ( XXXX ) are up to ( {$5000.00} ) Apple Card via XXXX XXXX is now civilly liable to pay me for the damages.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I am a consumer and multiple Apple product owner who has applied for the Apple Card now XXXX XXXX with denials unrelated to my credit score, income, or ability to repay. I have been told by automated system via email to upload a drivers license with all XXXX corners visible, against a solid surface. I have uploaded this multiple times and have been told via denial email that my identity can not be verified. This is completely untrue, as I have other credit accounts, bank and credit union accounts, IRS tax file, US Passport, XXXX XXXX background cleared, a valid unexpired drivers license, a mortgage in my name, and property and auto and insurance which uses in-depth background reports to verify identity. The system is not claiming that my identification card uploaded is not visible but rather that my identity in its entirety can not be verified which is not true. After multiple denials, the system will process my application and then the response is you can not be approved at this time because you have applied previously and your identification cant be verified I feel this is a type of violation of the fair credit reporting act in which a denial has to be explained. If my drivers license is valid and I am the person applying for this card then I need to have a full explanation as to why Goldman Sachs acting on behalf of Apple credit card is saying that my identification can not be verified when 100 % of the time with all other creditors and government agencies my identification is easily verifiable. Now, for the past XXXX months Apple/Goldman Sachs will no longer even process my application and seems to have blocked me while given the generic message of you have applied a number of times and your information can not be verified. The system tells consumers to reapply if they feel the decisions were an error and when I reapply I am given the same response.
Company Response:
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I opened a Apple Credit Card back in 2021. I never used the card, couple month ago I found a XXXX $ transaction that I disputed. The credit card company refunded the charge and corrected the balance incompletely. For some reason they left a XXXX $ balance that I have being trying to correct for the last two months, but the credit card company refuses to cooperate. They reported the XXXX $ balance to my credit history as a late payment. By refusing to correct their mistake, the Credit Card Company continues to cause damage to credit history, which as a result creates issues for me the obtain any funding.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: A couple months ago, I got a notification from XXXX XXXX that I had a new inquiry on my credit file. I didn't recognize it, and later learned that it had to do with the " Apple Card '' in which I was positive I never inquired about as I do not and have never owned XXXX devices which I. Also learned is a " prerequisite '' to obtain and use the apple card. So I called GS Bank/Apple Card directly, and they were very helpful. As a result my " account '' with this company was infact deleted. However the inquiry is still showing.
Company Response:
State: CO
Zip: 80237
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Today, I received an email receipt from Apple indicating that I was charged for monthly automatic renewal of XXXX XXXX+. I did not sign up for this renewal. I used XXXX XXXX for free during a trial period but did not continue the subscription and did not use XXXX XXXX during the time period I was charged. While Apple has made it very easy to charge my credit card without my consent they made it VERY difficult to revoke the auto renewal and to refund my money. In fact, they said via chat there is a refund review process that takes about 48 hours to determine whether they'll refund charges that never should have happened. This comes after Apple charging me interest for an Apple card purchase that should have been 0 interest and making it IMPOSSIBLE to get a refund unless you purchase additional Apple products. Today 's receipt follows, and if it's possible I will attach a screen shot of the very unhelpful chat. Receipt Save 3 % on all your Apple purchases with Apple Card.1 Apply and use in minutes [ XXXX ] 2 XXXX XXXX XXXX BILLED TO XXXX .... XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ORDER ID XXXX [ XXXX ] DOCUMENT NO. XXXX XXXX XXXX XXXX XXXX ( Automatic Renewal ) XXXX XXXX ( Automatic Renewal ) ( Monthly ) Renews XX/XX/2021 Report a Problem [ XXXXXXXX ] {$4.00} Subtotal {$4.00} Tax {$0.00} TOTAL {$5.00} Save 3 % on all your Apple purchases XXXX Apply and use in minutes [ XXXX ] 1. 3 % savings is earned as Daily Cash and is transferred to your Apple Cash card when transactions post to your Apple Card account. If you do not have an Apple Cash card, Daily Cash can be applied by you as a credit on your statement balance. 3 % is the total amount of Daily Cash earned for these purchases. See the Apple Card Customer Agreement for more details on Daily Cash and qualifying transactions. 2. Subject to credit approval. To access and use all the features of Apple Card, you must add Apple Card to XXXX on an XXXX or XXXX with XXXX or XXXX XXXX or later. Update to the latest version of XXXX or XXXX by going to Settings > General > Software Update. Tap Download and Install. Available for qualifying applicants in the United States. Apple Card is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch. If you reside in the US territories, please call Goldman Sachs at XXXX with questions about Apple Card. Get help with subscriptions and purchases. Visit XXXX XXXX [ XXXX ]. Learn how to manage your password preferences [ XXXX ] for XXXX, XXXX XXXX, and XXXX XXXX purchases. You have the option to stop receiving email receipts for your subscription renewals. If you have opted out, you can still view your receipts in your account under Purchase History. To manage receipts or to opt in again, go to Account Settings [ XXXX ]. Apple ID Summary [ XXXX ] Terms of Sale [ apple.com ] Privacy Policy [ apple.com ] Copyright 2021 Apple Inc. All rights reserved [ apple.com ] Receipt Save 3 % on all your Apple purchases with Apple Card.1 Apply and use in minutes [ XXXX ] 2 XXXX XXXX XXXX ORDER ID XXXX DOCUMENT NO. XXXX DATE XX/XX/2021 BILLED TO XXXX .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Automatic Renewal ) XXXX XXXX ( Automatic Renewal ) ( Monthly ) Renews XX/XX/2021 Report a Problem [ XXXX ] {$4.00} Subtotal {$4.00} Tax {$0.00} TOTAL {$5.00} Save 3 % on all your Apple purchases XXXX Apply and use in minutes [ XXXX ] 1. 3 % savings is earned as Daily Cash and is transferred to your Apple Cash card when transactions post to your Apple Card account. If you do not have an Apple Cash card, Daily Cash can be applied by you as a credit on your statement balance. 3 % is the total amount of Daily Cash earned for these purchases. See the Apple Card Customer Agreement for more details on Daily Cash and qualifying transactions. 2. Subject to credit approval. To access and use all the features of Apple Card, you must add Apple Card to XXXX on an XXXX or XXXX with XXXX or XXXX XXXX or later. Update to the latest version of XXXX or XXXX by going to Settings > General > Software Update. Tap Download and Install. Available for qualifying applicants in the United States. Apple Card is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch. If you reside in the US territories, please call Goldman Sachs at XXXX with questions about Apple Card. Get help with subscriptions and purchases. Visit Apple Support [ XXXX ]. Learn how to manage your password preferences [ XXXX ] for XXXX, XXXX XXXX, and XXXX XXXX purchases. You have the option to stop receiving email receipts for your subscription renewals. If you have opted out, you can still view your receipts in your account under Purchase History. To manage receipts or to opt in again, go to Account Settings [ XXXX ]. Apple ID Summary [ XXXX ] Terms of Sale [ apple.com ] Privacy Policy [ apple.com ] Copyright 2021 Apple Inc. All rights reserved [ apple.com ]
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment to Apple/Goldman Sachs on Friday, XX/XX/2021 in the amount of {$3800.00}. It posted to my bank account on Monday, XX/XX/2021. Apple/Goldman Sachs still has not reflected receipt of that payment in my Available balance. This failure to reflect the correct balance will negatively and inaccurately effect my credit score and credit utilization percentage, damaging me since the statement close date was XX/XX/2021, and they've already reported to the credit reporting agencies. THIS IS A VIOLATION OF REPORTING THE MAXIMUM POSSIBLE ACCURACY, Fair Credit Reporting Act 15 USC 1681e. It is also abusive, unfair and deceptive business practices. Being that Apple/Goldman Sachs refuses to accurately reflect my payment on the account, it appears as if they have stolen my funds to be able to use as they please until XX/XX/2021. THIS IS HARASSING, ABUSIVE, UNFAIR AND DECEPTIVE BUSINESS PRACTICES, which is a violation of the Fair Debt Collection Practices Act, Section XXXX of the Federal Trade Commission Act. THIS IS A VIOLATION OF GENERALLY ACCEPTED ACCOUNTING PRINCIPLES regulated by FASB, which all financial institutions and publicly traded companies must follow. I received an Apply Card on XX/XX/2021 with a credit limit of {$8500.00} for everyday usage. I began using my card on XX/XX/2021. What I charged on XX/XX/2021, I paid off on XX/XX/2021 through XXXX XXXX, so the payment was immediately applied to my Apple Card. I started getting declines on XX/XX/2021. I literally spent 4 consecutive hours on the phone with Apple Card Services and Goldman Sachs that evening verifying that my identity had not been stolen, that I was indeed the one making the purchases, and my account had not been compromised. I was asked by the Apple Card rep, '' What transactions would you like us to approve? '' I told her, " All of them. I shouldn't have to call you before every transaction to ask permission to use my credit when I've been approved up to {$8500.00} and I'm not at my limit. '' That night, a manager at Goldmans Sachs had to issue me a new online purchases card number because after every cleared transaction, the very next transaction would decline again. They verified my identity and even pinged my cell phone with a code to read back to them, and asked me security questions regarding addresses I'd lived at over 20 years ago. I continued using the Apple Card for daily transactions, and paying them off through XXXX XXXX the next day. On Friday, XX/XX/2021, I made a payment in the amount of {$3800.00} directly from my bank account instead of XXXX XXXX since I had maxed out the weekly amount that I could transfer from my bank to XXXX XXXX. This payment did not reflect in my Available amount on my Apple Card. It said that it may take a several days to reflect the payment. On Saturday, XX/XX/2021, I made an XXXX XXXX payment in the amount of {$1300.00}. It immediately reflected in my Available credit. After using my card 3 times on Saturday, XX/XX/2021, Apple/Goldman Sachs began declining my transactions again. On Saturday, XX/XX/2021 I spoke with Goldman Sachs Apple Card supervisor, XXXX, employee ID # XXXX. XXXX refused to tell me why my account was under review. He said that he would push my payment through. I demanded that he file a formal complaint and have upper level management contact the following morning. The complaint number provided to me by XXXX is # XXXX. He told me he scheduled an appointment for upper level management to contact me at XXXX EST on Sunday, XX/XX/2021. I found out today from XXXX at Apple/Goldman Sachs , that Apple/Goldman Sacs XXXXard Services Supervisor , XXXX XXXX knew that upper level management did not work on weekends. He also did not " push my payment through '' as he disclosed. He also fabricated the story that he could not disclose why my account was under review. I informed him that his failure to give full disclosure was a violation of my consumer rights. This morning, I spoke with XXXX at Apple/Goldman Sachs who indeed explained that my payment was flagged and being held until XX/XX/2021, and that there is no way to push it through. It is out of her control. The {$3800.00} been taken from my bank account by Apple/Goldman Sachs , but they refuse to reflect the payment in my Available credit. On Wednesday, XX/XX/2021, supervisor, XXXX said that my account was no longer under review. She disclosed, what XXXX refused to, that it was under review on Saturday because they needed to verify my identity. How many times do I need to verify my identity to Apple/Goldman Sachs ? I've done it numerous times over the past 2 weeks. I do it every time I call in. This is harassment and discrimination now, and denying me equal opportunity access to credit. My Apple Card is not frozen anymore, but my credit limit has been reduced to {$4600.00} instead of {$8500.00} by Apple/Goldman Sachs refusing to reflect my payment in my account.
Company Response:
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I entered into an open end credit transaction with Apple Card to purchase a XXXX back on the XX/XX/XXXX. I allegedly owe a balance of {$1100.00} and Goldman Sachs bank has been calling trying to collect on it. I did not enter in a contract with Goldman Sachs, nor have they shown me a signature where I signed into a contract with them.
Company Response:
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for an Apple credit card through Goldman Sachs Bank USA on XX/XX/2021, and my application was denied. I was discouraged and discriminated against through their application process. Their institution did it against my will. I do not agree with their decision.
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: The company does not warn about charge offs. I have been having so much trouble since covid and cant afford a charge off. I wish there was more we can work with as customers.
Company Response:
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A